Use of the Card Account is subject to activation, ID verification, and funds availability. With Brink's Direct Deposit, you can get paid faster than a paper check. You have money questions. There is a reload fee of up to $3.95 fee every time you reload the card. But a debit card is an all-around better (and cheaper) starter card, if thats your concern, and there are a few checking accounts that reward spending like the Discover Cashback Debit Account. Certain products and services may be licensed under U.S. Patent Nos. Its not a long-term option, but is a great short-term solution. reduce the interest earned on the Savings Account. standard Replacement Card Fee. There is no minimum balance. Enroll in Brink's Money Payback Points. The Brink's Prepaid Mastercard is an opportunity for consumers to gain control of their finances and get paid up to two days faster1with direct deposit of your paychecks or government benefits. SuperMoney strives to provide a wide array of offers for our users, but our offers do not No Minimum Balance, No Late Fees - because this is not a credit card No cost for online or mobile Account-to-Account transfers between Netspend Cardholders; a $4.95 fee applies to each such reduce the interest earned on the Savings Account. The best move by far is to accept the reduced monthly plan as a Brinks Preferred Benefit member, which requires $500 in qualifying direct deposits each month. What Are the Differences Between Federal and Private Student Loans? is the superior option, and consumers should consider it over the Brinks due to its lack of fees and credit-building features. Plus, when you Direct Deposit at least $500 in payroll or government benefits in a calendar month onto your Brink's Money Prepaid Card, you're eligible for the Reduced Monthly Plan. All other trademarks and service marks belong to their owners. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. When it comes to rewards cards centered around cash back on everyday purchases, you typically want your points to be worth at least 1 cent apiece for a 1 percent cash return. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers. Reverse Mortgages: When Do They Make Sense? This is a third-party fee and is subject to change. Cardholder may enroll in the Monthly Plan to pay a flat fee of $9.95 per At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Early Bankrate.com is an independent, advertising-supported publisher and comparison service. Fee is assessed to transferor's account when the transfer is With ease and speed you can: * Check your account balance and transaction history. Up to $3.95 per load. Open only to U.S. legal residents who are the legal age of majority or older at time/date of entry. However, credit score alone does not guarantee or imply approval for any Once your Card arrives in the mail, activate your Card, and verify your identity1 with your name, address, date of birth and government ID number. After qualifying, Monthly Plan Cardholders will receive the Reduced Monthly Plan Fee of $5 on their next Plan Fee assessment date. It's convenient and faster than waiting for a paper check in the mail! Terms apply to the offers listed on this page. be restricted, but you may be able to use the Card for in-store purchase transactions. However, you may be able to earn bonus points at a higher rate if you take advantage of additional limited-time, merchant-specific offers in your Online Account Center. 9. At Bankrate we strive to help you make smarter financial decisions. With the Brink's Prepaid MasterCard, you can get paid up to two days faster and manage your money anytime and anywhere. Personal Loan Vs. Line Of Credit: Which Is Better? Purchase transactions for just $5 per month (compared to $9.95), You could be covered when you're a little short with our $10 Purchase Cushion, Access an optional Savings Account that earns up to 5.00% APY, +The Pay-As-You-Go Plan is automatically effective on your Card Account when you first obtain the Card. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. may affect your credit. Check the information is accurate and submit your application. Your funds on deposit are FDIC insured up to $250,000 through your issuing bank, subject to aggregation of all funds held on deposit. This is a third-party fee and is subject to change. The Brink's Prepaid Mastercard is an opportunity for consumers to gain control of their finances and get paid up to two days faster1with direct deposit of your paychecks or government benefits. Fee 7. Please contact them directly through their website (https://brinkshome.com) or their toll-free number (800-447-9239). All other trademarks and service marks belong to their owners. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could Load your Card Account the way you want: At one of our 130,000 reload locations, Access your Card Account with our Online Account Center, mobile apps and Anytime Alerts. Use the Brink's Money Prepaid Mobile App to manage your Card Account on the go and enroll to get text message . institution. for your tax refundand for all your payroll and benefit checks too. The Brink's Money Paycard Mobile App gives you the power to manage your account on the move. Getting a Business Loan When You Have Bad Credit. Reward offers are based on individual shopping habits. 2Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. It may be worth looking into another prepaid credit card with a more straightforward redemption option, such as cash back. The Brink's Money Prepaid Mobile App gives you the power to manage your money on the go from the palm of your hand - View your transaction history and balance - Send money to friends and family. Earn one (1) point per dollar spent on signature purchase transactions (not including any applicable fees). See the Cardholder Agreement for details. iPhone. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, Republic Bank & Trust Company is not affiliated in any way with this optional offer and does not endorse or sponsor this offer. The Company you trust is offering you the features and benefits you deserve. To participate in the Savings Standard text message or data rates may apply. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. Certain restrictions apply; see the program terms and conditions for full details, including point earning and Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Prepaid Debit Cards from, in We may also ask to see your driver's license or other identifying information. Our editorial team does not receive direct compensation from our advertisers. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. To check the rates and terms you qualify for, one or more soft credit pulls will be done by Prepaid cards only allow you to spend money already in your account. Certain products and services may be licensed under U.S. Patent Nos. Login. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. No fee to receive 6 The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion. The Brink's Prepaid is a decent starter card that offers rewards like a credit card, but carries a few fees to consider. Consolidating vs. deducted from check total prior to loading your Card Account. The Brinks Prepaid Mastercard delivers the same opt-in Payback Points rewards program as other Netspend prepaid cards, but Brinks program is called Brinks Money Payback Points. Surprisingly for a security brand, the Brinks card doesnt offer any of the additional account security features youll find with its Netspend cousins. but can take up to one hour. Does Refinancing Your Car Loan Hurt Your Credit Score? Brink's understands that time and money are valuable to you. While the Brinks Prepaid Mastercard is a solid option, you can find better rewards and fewer fees with other prepaid credit cards or a debit card. These are promotional rates and may change without notice pursuant to applicable law. Enroll in Direct Deposit to have your paycheck or government benefits onto your Card Account. View Republic Bank & Trust Company Profile, 1 other reviews that are currently hidden , Netspend Small Business Prepaid Mastercard, Western Union Netspend Prepaid Mastercard, Filter & compare all your options in one place. This compensation may impact how and where products appear on this site Just make five (5) transactions of $5 or more on your Brink's Money Prepaid Mastercard.1, Card use subject to activation and identity verification.2. Virtual cards can be used to make cashless payments (like online purchases) much in the same way a physical card would. prepaid debit cards and related financial services to the estimated 60 million underbanked consumers in the United States The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company pursuant to a license by Mastercard International Incorporated. However, its rewards program is confusing, and, like most prepaid cards, it poses a few fee-harvesting traps. Additional transaction fees, costs, terms and conditions may What Are The Different Types of Life Insurance? this post may contain references to products from our partners. I've never heard of that type of card in the US, nor am I familiar with the California Bank that may clear Brinks US debit card transaction. See below for Official Rules & complete details. Unapproved checks will not be funded to your card. iPad. This product is As a standard Mastercard, the Brinks card offers $0 liability for unauthorized purchases and other fraud monitoring services, but its Visa competitors have a slight edge with extra perks like auto rental collision waiver coverage and pay-per-use roadside dispatch. Its hard to steer clear of these fees, especially considering the list of situational costs like a 4 percent foreign transaction fee, $5.95 90-day inactivity fee and even a $4.95 fee for a custom picture on your card. Cardholder is responsible for repayment of any negative balance. ; No late fees or interest charges because this is not a credit card. No minimum balance necessary to open Savings Account or obtain the yield(s). Can You Build Credit With a Prepaid Credit Card? The Brink's Prepaid Mastercard offers bank-level features without hefty fees. We may also ask Netspend, a Global Payments company, is a registered agent of Republic Bank & Trust Company. Interest bearing savings account can be connected. But with Brink's Complete, they can improve savings & reduce the hours it takes to handle cash. Fee varies Per transfer. When you activate your Brink's Money Prepaid Mastercard and verify your identity, you get more than a Card. information from the IRS, visit https://www.irs.gov/refunds. be restricted, but you may be able to use the Card for in-store purchase transactions.